"Intermezzo Keš" - cash loan

This loan can be obtained via a simple and quick procedure, regardless of whether you're receiving your earnings through a Banca Intesa current account or not.

See for yourself:

Fixed interest rate for period of 7 years

Higher loan amounts

Longer repayment period up to 120 months

Pause in repayment of the loan, when you need it

Without salary transfer

No deposit and participation

If you want a cash loan with a longer repayment period and of a larger amount, a cash loan with a variable interest rate is available.

Pausing the repayment of loan instalment

Life is full of surprises and unforeseen expenses that sometimes come at a time when you are not prepared for new expenditures.

That is why "Intermezzo Keš" is here, a unique model of cash loan that gives you an opportunity to defer the payment of your monthly instalment when you really need it.

During one calendar year, you have an option to defer the payment of your monthly instalment once, and in total of up to 5 times during the full period of repayment. Application procedure for the deferment of instalment is quite simple.

Key features

Representative example for clients

Representative example for non clients

Loan calculator

"Intermezzo Keš" loan in dinars

Type of loan

Cash loan with insurance and the option to defer the payment of annuity in dinars

Loan currency

RSD

Criteria for indexing

No criteria for indexing

Loan amount

50,000 - 2,250,000 RSD

Repayment period

18 - 120 months

Interest rate (on annual basis)

Clients*

Others

For repayment period up to 84 months

12% fixed

15% fixed

For repayment period from 96 months

10,39% variable (6M Belibor+7,25%)**

13,39% variable (6M Belibor+10,25%)**

Security instruments

1 bill of exchenge

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

The fee for processing the loan application

1% clients* 2% others

1 bill of exchange

Credit bureau report

50 RSD

246 RSD

Costs borne by the user and are not known at the moment of publication

Fee for deferring the payment of annuity: 0.5% on the rest of the principal amount, for each request for deferring of the payment of annuities individually. The amount of compensation is attributed to the principal amount. For the period of deferred payment, an interest is calculated at the level of nominal interest rate and is attributed to the principal debt

*The stated conditions apply for individuals, employed for indefinite period, receiving the salary on the current account of in Banca Intesa, and individuals receiving pensions on the current account in Banca Intesa.

Representative example for clients *

Type of loan

Cash loan with insurance and the option to defer the payment of annuity in dinars

Loan currency

RSD

Criteria for indexing

No criteria for indexing

Credit amount

500.000 RSD

500.000 RSD

1.000.000 RSD

2.000.000 RSD

Repayment period

60

months

84

months

120

months

120

months

Monthly instalment

11.170 RSD

8.876 RSD

13.515 RSD

27.030 RSD

Interest rate (on an annual basis)

12% fixed

12% fixed

10,39% variable**

10,39% variable**

The fee for processing the loan application

5.000 RSD

5.000 RSD

10.000 RSD

20.000 RSD

Effective interest rate (on an annual basis)

13,40%

13,27%

11,34%

11,34%

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

1 bill of exchange

50 RSD

Credit bureau report

246 RSD

* The stated conditions apply for individuals, employed for indefinite period, receiving the salary on the current account of in Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of October 31, 2018 being 3.14%.

Representative example for non clients *

Type of loan

Cash loan with insurance and the option to defer the payment of annuity in dinars

Loan currency

RSD

Criteria for indexing

No criteria for indexing

Credit amount

500.000 RSD

500.000 RSD

1.000.000 RSD

2.000.000 RSD

Repayment period

60

months

84

months

120

months

120

months

Monthly instalment

11.957 RSD

9.713 RSD

15.276 RSD

30.551 RSD

Interest rate (on an annual basis)

15% fixed

15% fixed

13,39% variable**

13,39% variable**

The fee for processing the loan application

10.000 RSD

10.000 RSD

20.000 RSD

40.000 RSD

Effective interest rate (on an annual basis)

17,42%

17,16%

15,06%

15,06%

Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate

1 bill of exchange

50 RSD

Credit bureau report

246 RSD

* The stated conditions apply for individuals, employed for indefinite period, not receiving the salary on the current account of in Banca Intesa.

**Harmonization of the value of 6M BELIBOR is performed on a six-moth basis (on May 25 and November 25) with the value of 6M BELIBOR on the last day in previous month (April/ October). When presenting the interest rate, 6M BELIBOR was applied as of October 31, 2018 being 3.14%.

Loan calculator

Amount
(RSD)

Number of instalments

Instalment amount (RSD)

"Intermezzo Keš" loan can be obtained regardless of whether you are receiving your earnings through a Banca Intesa current account or not.

To apply for the loan you need a personal identity card and, depending on your employment status, the following documents:

Employed individuals: Certificate of employment and income size

Self-employed individuals: A certificate by the authorized Tax Administration that there are no outstanding liabilities arising from income tax and other public revenues, as well as the following documents:

- in case of a lump sum taxed entrepreneur - tax return form for lump sum taxed entrepreneurs (form PPDG 1P) and a decision report on income tax - in case of self-taxation - tax return form for entrepreneurs for whom the tax is determined by self-taxation (form PPDG 1S)

- if the entrepreneur opted for the payment of personal salary they need to provide the last three tax return forms (form PPP PD 1). Along with the aforementioned, we require a bank statement for the account to which the salary is being paid out (containing information on payments for the last three salaries) and a certificate of employment, as well as the size of the salary (Bank form).

Age limit of a loan user: minimum 20 years of age at the time of approval and up to 68 years of age at the time of repayment of the last instalment.